in principle agree. but also need to monitor somewhat.

BAT was a dividend darling stock for the longest time. but their stocks tumbled from RM70 to RM10. but still consistently giving handsome dividend yield peg to their current share price.

but i get your point.
while stocks giving consistent and stable dividend and above FD returns are great but it's still not 100% fool proof.

i was just thinking, in the pursuit of FIRE, i may absorb higher risk with instrument that returns better.
In full retirement mode, perhaps we should also decrease our risk appetite to lower threshold to more guaranteed returns?

i don't follow BAT... could it be due to stock split effect? if just div, really doubt can cover the crash.

Thanks bro

Not so fast need another 15 to 20 years at least from now
Not easy lol

And u want to 3x this to retire?

Good point. I have. Personal loan at 2.7k/mth payment for another 5 years. I consider it as good debt.

Current rate 5.88%, bank islam

No. Effective rate is 5.88.

Many epf millionaires here. But not me 🤣

yup... withdraw from epf... all in equities... soon...

probably last change for me...

You already achieved your goal... why taking on more which may expose to some other temptations or risk, especially your pot now is still growing..

Hi bro,... emm,... well, it's better to advise the young ones to work hard first and do not sway from this goal. Go out there, see the world,.... go after the big bucks, and we support them in their endeavours.

I feel it's not too good to start teaching them abt investing too early, things like making loads of money from 'investing',... things like this. Then they become complacent, thinking it's better to invest and 'shake legs', money makes money, etc,... looking at how their father did it.

It is almost the time i should fulfil my dream aka FIRE.

I think i am one of the very luckiest ones. My dreams were :
1. Own a house no need to pay rental
2. Able to buy the most powerful graphics card when it is launched
3. No need to work still have money to use and save each month
4. Eat foods or buy cloths no need to worry about the price

Simple dreams. All achieved.

I have so many hobbies, with the rise of AI, my life become even more interesting now, just need to leave my job and go into full enjoy mode.

Bro you don't understand. I don't chase yield anymore nor do I want to buy reits anymore. I am more interested in automatic double digits dividend growth. Yield not important. More important is how much is it growing a year excluding reinvestment. If it cannot grow more than 4% p.a it's losing money to inflation. Mine yield is growing from min 15-30%p.a without me needing to inject any new cash/reinvestment. Can you say the same about your holdings? If you really want to care about yield yes I chose stocks with 0.5-1%p.a yield. That's my approach. There are few exceptions but majority still hold true. Even my companies paying me 5%p.a they are growing their dividend by min 10%p.a. I am playing the lo long game where 20 years later my low yield high growth will beat any current high yield with low to zero dividend growth.
This is what Jason fieber said. Which boss is going to increase your pay by 10%p.a? Also to get say extra $1000 p.a, you would need to invest extra 16.67k at 6% yield . It's easier for company to pay you the extra 1k (10%p.a) vs you coughing up 16.67k

I am ok with my options getting called away but I prefer it not to be called away as I can rinse and repeat. It's better to rinse and repeat, collecting money every week then get sold away as recurring income is more important.

I can guess. Around 8-10% p.a and not growing. Or if it's growing it's around around. 1-2%p.a As I said he focus on high yield tax free countries. He Pokémon everything even low quality stuff as long as it pays dividends (gotta catch them all)

Bro your portfolio is large la. Your 4%p.a can easily get you 20-30k per month. My portfolio 4% can only get me like 2k per month. Lol. Economics of scale matter. A millions portfolio is easier to generate 20-30k/month as shown by Paul low portfolio.

Cause money coming in every week will ensure you never run out of money. You always have money to buy stuff or spend or invest. Also no need to worry that this month no money coming in. No need to wait for paycheck. His way is nice just not to my liking of gotta catch them all. I like and support his idea of money coming in every week so I tweak his way to fit mine.
I will just show my profit and loss. i am not comfortable showing my transaction.

For 2024

For 2025

More money. I am limited by my money I have.

Btw that's in USD so enough money for me. I know right the track record speaks for itself. When I started I also got a shock at my track record. I thought it was a one time thingy.

thanks for sharing... any info is appreciated as it is based on real person and real life... no longer theoretical.
you are obviously conservative like me...

My curiosity stems from a bit of a disconnect between my expectations (theory) and lived reality.
I’ve been FIREd for almost 4 years now. This is what I noticed for my case:

a) family monthly expenses, as budgeted, remained steady over the past 4 years and should still be valid for next 6 years. In fact, I’m underspending by about 10–20% for many of the months.

b) networth has actually increased by nearly 50% during the same period, with zero active income. So technically, I can up my spending by that much, and I’d still be fine. (this is now my excess buffer on top of my already buffered portfolio)
  – It would’ve been even better if not for King Trump’s erratic tariff policies 3 weeks back. It’s this kind of external shock that remains a concern for me, not the regular market fluctuations.

c) Touch wood — the only major unexpected expense so far was helping an elderly relative with a medical emergency. luckily its only around 30K rm, so still manageable.
I also do some selling of options but they are just to supplement the passive income from EPF and equities. definitely not as much as yours in relative terms vs passive income elsewhere.

At 90, my kid will be 60. Why should I downgrade my retirement life in order for him to get a few millions? I save for my retirement, not for his 😆 .its only if I kaput earlier will he get some.

After pushing even more funds to overseas, 100K RM div in malaysia is no longer a concern for me. Haha.

But the problem is do we still need to file and input into hasil negeri site whatever div we receive in Malaysia? The paperwork and trails are just annoying. And if kena invited by lhdn, how to prove the div amt is all I recieved.

That's the headache. Right now, all div I received is still gross div. So nothing been deducted yet.

Later next year, I assume all have to file and input the total div collected. How would lhdn verify the amount is accurate? And hence 2% on the div above 100K.